Simple is Quite Complicated for Us these days!
Whether it’s like buying a cell phone or house or a financial product, the more the features in it. I call it the exotic toppings over a pizza base…. the better a product is supposed to be.
After all our love for the complicated never seems to die down. However when it comes to financial products meant for savers and investors this attraction for going for features laden product is a big Problem…A big one, since the inherent features of a product is obscured. I was asked recently by someone about a SIP cum insurance product in the market and how determined he was to buy the product……as I discussed the same in details with the person I was amazed by the fact that this person also loves complicated product!!
Why don’t we keep our life simple rather than chase the returns and outsmart others in the process we loose out the sight of our financial goals in life. However the bigger problem is the idea that there is some magic to the very simple concept of investing in a volatile market like this…Buy low….sell high…..that’s what I was taught in my financials lessons.
Why don’t we adhere to it? SIP is a way of investing which averages your cost of buying units. So Keep investing over a long term horizon and see the magic number (your target goal amount) is just within your sight.
So keep investing at all times when you know your amount, the timelines and have carefully picked the right asset class which matches your style of investing why worry? Keep patience, keep faith it will pay eventually. Forget the exotic and Keep life and Your Mind Simple.
Simplified Money Talks 
No Ravi but then you also need to understand that what all Investments options are available to you. Basis the list available and understanding your risk appetite you will be in a much better position to invest accordingly
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Investment is not only about taking a leap of faith but also about understanding your own requirements like your life goals, the time you have for achieving each of your goals and then your return expectations. If only keep these 3 factors you will be in a much better position
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In that case stay invested with the products that you trust. If capital protection is of prime importance to to you then in that case please note that the returns generated by such products may not even match the inflation rate
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